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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $256,808 | $76,368+236.3% | $67,681+279.4% | $154,746+66.0% |
| Participation rate | 100.0% | 79.0%+21.0pp | 73.7%+26.3pp | 80.7%+19.3pp |
| Annual return | 4.73% | 1066.77%-1062.0pp | 590.58%-585.9pp | 172.34%-167.6pp |
| Employer contribution / active EE | $21,696 | $3,151+588.4% | $2,678+710.0% | $4,379+395.4% |
| Participant deferral / active EE | $15,250 | $4,824+216.1% | $3,976+283.6% | $6,730+126.6% |
| Admin fee / account holder | $9,620 | $8,559+12.4% | $6,100+57.7% | $14,365-33.0% |